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Offer Your Clients Both Term and Permanent Group Life Insurance

As a leading provider of life insurance plans, Guardian is committed to offering our customers the most flexible and comprehensive coverage possible. In addition to high quality Basic Life Insurance with a range of options and features, you can meet more of your clients’ needs by offering Guardian’s Voluntary Term and Permanent Life coverage.

More employers choose Guardian to provide their employees’ life coverage than any other carrier1. We are one of the few carriers to offer both Voluntary Term and Permanent Life Insurance, so we can help you stand out with more complete, affordable, and continuous life protection for employees — at little or no cost to your clients.

Coverage is easy to purchase, and employees can select Term or Permanent life Insurance, or both.

Voluntary Term Life

Guardian Term Life offers cost-effective coverage for a specified period. It provides beneficiaries with a cash benefit to help pay for household expenses, mortgages, college tuition, and more. It’s typically purchased when family financial responsibilities are the greatest and before rates increase due to the employees’ age.

Voluntary Permanent Life Insurance

Guardian Permanent Life Insurance complements our Term Life Insurance by enabling employees to lock in pricing with a smaller policy to cover final expenses. Employees can also build cash value that can be used for loans or withdrawals during working and retirement years.2

Premiums are initially higher than Term Life Insurance, but are guaranteed to never increase. Better yet, we offer a flexible paid up at 65 option, so employees can lock in the benefit amount until age 120 — with no more payments.

Why group life insurance from Guardian?

Guardian’s group life insurance plans provide an easy and affordable way for your clients to offer the workplace benefits their employees are looking for:

Flexible options: employees can select Term or Permanent Life Insurance, or both

Cross-sell discounts on Term Life when Permanent Life Insurance is offered

Employee Assistance Program (EAP)3 provides employees and their family members with confidential, personal and web-based counseling to help improve emotional well-being and enhance quality of life.

Travel Related Insurance Protection (TRIP) program is designed especially for employees who frequently travel for business or pleasure, and combines emergency travel services4 with the extra protection of life and AD&D coverage

WillPrep Services5 are automatically included on all voluntary term life cases at no additional cost.5 The service includes online planning documents, a resource library, and access to professionals to help employees communicate how they want to provide for their beneficiaries

Ready to take the next step?

Learn more about why Guardian is a smart choice for life insurance plans. We can provide any help you need in determining the right coverage for your clients.

1 LIMRA Group Sales and Inforce Survey 2016, based on number of 2015 sales and inforce cases.

2 Permanent life insurance policy guarantees are subject to the timely payment of all required premiums and the claims paying ability of the issuing insurance company. Policy loans and withdrawals affect the guarantees by reducing the policy’s death benefit and cash values.

3 WorkLifeMatters Program services are provided by Integrated Behavioral Health, Inc., and its contractors. Guardian does not provide any part of WorkLifeMatters program services. Guardian is not responsible or liable for care or advice given by any provider or resource under the program. This information is for illustrative purposes only. It is not a contract. Only the Administration Agreement can provide the actual terms, services, limitations and exclusions. Guardian and IBH reserve the right to discontinue the WorkLifeMatters program at any time without notice. Legal services provided through WorkLifeMatters will not be provided in connection with or preparation for any action against Guardian or IBH. WorkLifeMatters Program services is not an insurance benefit and may not be available in all states.4TravelAid services are provided by Integrated Behavioral Health, Inc., and Frontier Medex. The Guardian Life Insurance Company of America (Guardian) does not provide any part of TravelAid services. Guardian is not responsible or liable for care or advice given by any provider or resource under the program. This information is for illustrative purposes only. It is not a contract. Only the policy can provide the actual terms, services, limitations and exclusions. We are not responsible for availability, quality, result of or failure to provide any medical, legal or other care or service caused by conditions beyond our control. Guardian and IBH reserve the right to discontinue TravelAid at any time. This service may not be available in all states.5 WillPrep Services are provided by Integrated Behavioral Health, Inc., and its contractors. This is not an insurance benefit and may not be available in all states.

Guardian Group Life Insurance underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Policy Form #GP-1-R-ADCL1-00, et al. Policy Form #GP-1-GPL14 Life Contract#GP-1-R-LB-90, GP-1-R-EOPT-96 Voluntary Life Contract #GP-1-R-ADCL1-00 et. al.